ActualPaymentTestExtra001
| Day |
Datestamp |
Advances |
Scheduled payment |
Window |
Payment due |
Actual payments |
Generated payment |
Net effect |
Payment status |
Balance status |
Simple interest |
New interest |
New charges |
Principal portion |
Fee portion |
Interest portion |
Charges portion |
Fee rebate |
Principal balance |
Fee balance |
Interest balance |
Charges balance |
Settlement figure |
Fee rebate if settled |
| 0 |
2022-03-08 |
800.00 |
n/a |
0 |
0.00 |
confirmed 166.60 |
n/a |
166.60 |
extra payment |
open |
0.0000 |
0.0000 |
n/a |
66.64 |
99.96 |
0.00 |
0.00 |
0.00 |
733.36 |
1,100.04 |
0.0000 |
0.00 |
633.40 |
1,200.00 |
| 17 |
2022-03-25 |
n/a |
n/a |
0 |
0.00 |
n/a |
n/a |
0.00 |
information only |
open |
8.4964 |
8.4964 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
733.36 |
1,100.04 |
8.4964 |
0.00 |
760.49 |
1,081.40 |
| 18 |
2022-03-26 |
n/a |
original 171.02 |
1 |
4.42 |
n/a |
n/a |
4.42 |
not yet due |
open |
0.4998 |
0.4998 |
n/a |
0.00 |
0.00 |
4.42 |
0.00 |
0.00 |
733.36 |
1,100.04 |
4.5762 |
0.00 |
767.97 |
1,074.42 |
| 32 |
2022-04-09 |
n/a |
original 171.02 |
2 |
171.02 |
n/a |
n/a |
171.02 |
not yet due |
open |
6.9971 |
6.9971 |
n/a |
63.78 |
95.67 |
11.57 |
0.00 |
0.00 |
669.58 |
1,004.37 |
0.0000 |
0.00 |
868.22 |
976.75 |
| 46 |
2022-04-23 |
n/a |
original 171.02 |
3 |
171.02 |
n/a |
n/a |
171.02 |
not yet due |
open |
6.3885 |
6.3885 |
n/a |
65.85 |
98.79 |
6.38 |
0.00 |
0.00 |
603.73 |
905.58 |
0.0000 |
0.00 |
801.26 |
879.07 |
| 60 |
2022-05-07 |
n/a |
original 171.02 |
4 |
171.02 |
n/a |
n/a |
171.02 |
not yet due |
open |
5.7602 |
5.7602 |
n/a |
66.10 |
99.16 |
5.76 |
0.00 |
0.00 |
537.63 |
806.42 |
0.0000 |
0.00 |
733.67 |
781.40 |
| 74 |
2022-05-21 |
n/a |
original 171.02 |
5 |
171.02 |
n/a |
n/a |
171.02 |
not yet due |
open |
5.1295 |
5.1295 |
n/a |
66.36 |
99.54 |
5.12 |
0.00 |
0.00 |
471.27 |
706.88 |
0.0000 |
0.00 |
665.44 |
683.73 |
| 88 |
2022-06-04 |
n/a |
original 171.02 |
6 |
171.02 |
n/a |
n/a |
171.02 |
not yet due |
open |
4.4963 |
4.4963 |
n/a |
66.61 |
99.92 |
4.49 |
0.00 |
0.00 |
404.66 |
606.96 |
0.0000 |
0.00 |
596.59 |
586.05 |
| 102 |
2022-06-18 |
n/a |
original 171.02 |
7 |
171.02 |
n/a |
n/a |
171.02 |
not yet due |
open |
3.8608 |
3.8608 |
n/a |
66.86 |
100.30 |
3.86 |
0.00 |
0.00 |
337.80 |
506.66 |
0.0000 |
0.00 |
527.10 |
488.38 |
| 116 |
2022-07-02 |
n/a |
original 171.02 |
8 |
171.02 |
n/a |
n/a |
171.02 |
not yet due |
open |
3.2228 |
3.2228 |
n/a |
67.12 |
100.68 |
3.22 |
0.00 |
0.00 |
270.68 |
405.98 |
0.0000 |
0.00 |
456.98 |
390.70 |
| 130 |
2022-07-16 |
n/a |
original 171.02 |
9 |
171.02 |
n/a |
n/a |
171.02 |
not yet due |
open |
2.5824 |
2.5824 |
n/a |
67.37 |
101.07 |
2.58 |
0.00 |
0.00 |
203.31 |
304.91 |
0.0000 |
0.00 |
386.21 |
293.03 |
| 144 |
2022-07-30 |
n/a |
original 171.02 |
10 |
171.02 |
n/a |
n/a |
171.02 |
not yet due |
open |
1.9396 |
1.9396 |
n/a |
67.63 |
101.46 |
1.93 |
0.00 |
0.00 |
135.68 |
203.45 |
0.0000 |
0.00 |
314.80 |
195.35 |
| 158 |
2022-08-13 |
n/a |
original 171.02 |
11 |
171.02 |
n/a |
n/a |
171.02 |
not yet due |
open |
1.2943 |
1.2943 |
n/a |
67.89 |
101.84 |
1.29 |
0.00 |
0.00 |
67.79 |
101.61 |
0.0000 |
0.00 |
169.40 |
97.68 |
| 172 |
2022-08-27 |
n/a |
original 170.90 |
12 |
170.04 |
n/a |
n/a |
170.04 |
not yet due |
closed |
0.6465 |
0.6465 |
n/a |
67.79 |
101.61 |
0.64 |
0.00 |
0.00 |
0.00 |
0.00 |
0.0000 |
0.00 |
0.00 |
0.00 |
Description
Schedule with a payment on day 0L, seen from a date before scheduled payments are due to start
Generated: 2025-04-28 using library version 2.2.10
Parameters
| Evaluation Date |
2022-03-25 |
| Start Date |
2022-03-08 |
| Principal |
800.00 |
| Schedule options |
| config: auto-generate schedule |
schedule length: payment count 12 |
| unit-period config: 2-weekly from 2022-03-26 |
|
| Payment options |
| scheduling: as scheduled |
| rounding: rounded up |
| timeout: 3 |
| minimum: defer or write off up to 0.50 |
| level-payment option: lower final payment |
|
| Fee options |
| fee type: CAB/CSO fee 150 % |
rounding: rounded down |
| fee amortisation: amortise proportionately |
settlement rebate: pro-rata rebate |
|
| Charge options |
| Type |
Charge |
Grouping |
Holidays |
| late payment |
10.00 | one charge per day | n/a |
| insufficient funds |
7.50 | one charge per day | n/a |
|
| Interest options |
| standard rate: 9.95 % per year |
method: simple |
| rounding: rounded down |
APR method: US CFPB actuarial to 6 d.p. |
| initial grace period: 3 day(s) |
rate on negative balance: zero |
| promotional rates: n/a |
| cap: total n/a; daily n/a |
|
Initial Stats
| Initial interest balance: 0.00 |
Initial cost-to-borrowing ratio: 62.61 % |
Initial APR: 452.187925 % |
| Level payment: 171.02 |
Final payment: 170.90 |
Last scheduled payment day: 172 |
| Total scheduled payments: 2,052.12 |
Total principal: 2,000.00 |
Total interest: 52.12 |
Final Stats
| Generated settlement: n/a |
Final balance status: closed |
| Effective interest rate: 0.01490116279 % per day |
Final cost-to-borrowing ratio: 156.41 % |
| Required scheduled payment count: 12 |
Last required scheduled payment day: 172 |
| Final actual payment count: 1 |
Last actual payment day: 0 |
FSharp.Finance.Personal